LiteBlue.USPS.Gov – Reviewing My Federal Government Employee Benefits

LiteBlue.USPS.Gov – Whether you are just beginning a career with the Federal government or you are a veteran employee with decades of service, it is important that you review the benefits you have as a Federal government employee. Using the US Office of Personnel Management, Federal employees can access a number of resources to assist in gathering information and an understanding pertaining to important benefit topics. This article will elaborate on two specific Federal employee benefits: Life insurance and Disability insurance.LiteBlue.USPS.Gov

FEGLI Term Life Insurance
Administered through the Office of Personnel Management, FEGLI is currently the largest group life insurance program in the world. It provides Federal government and Postal employees with an optional Term Life insurance program, from which 4 benefit types can be elected:

- BIA (Basic Insurance Amount): This is the most common benefit available, covering 1 times your annual income. The premiums for this benefit option are split between you(2/3) and your employer (1/3), and are on a non-guaranteed level premium schedule.
- Option A (Standard): This is the most basic benefit available on an optional basis. It provides employees with an additional $10,000 death benefit and is paid for entirely by each employee.
- Option B (Additional): This option is where Federal and Postal employees can truly expand on the level of life insurance they have through the FEGLI program. This option allows for employees to elect an additional benefit, up to 5 times his/her annual income. Like all optional FEGLI benefits, the cost is 100% paid for by you.
- Option C (Family): As its name implies, this option allows Federal employees to elect additional life insurance for their spouse and children. This coverage is offered in multiples, allowing a maximum benefit of $25,000 for a spouse and $12,500 for each child.

LiteBlue.USPS.Gov – Simply put, the benefits provided through FEGLI can be great. Provided you elect these options during an open enrollment period or a qualified life-changing event, there is no medical underwriting required. This can be a tremendous advantage for those who otherwise would not qualify. Specifically for young professionals, the FEGLI program can be a very inexpensive way of maintaining protection.

For many Federal employees however, this coverage will also present some limitations and concerns. Many Federal employees would not adequately be protected with only 5 times their annual income in life insurance, so some supplemental amount of individual life insurance may be needed. Additionally, due to the increasing premium schedule for options A, B and C, many Federal employees could save considerably by owning an individual Term Life policy instead.LiteBlue.USPS.Gov

FERS Disability Insurance
Surprisingly, many Federal employees are not even aware of the fact that a long-term disability insurance benefit exists. For all Federal employees under FERS, there is an early retirement option available specifically for disability. Considering that a disability is more likely to occur than premature death and most people rely on their paycheck, this is a critical benefit to review.LiteBlue.USPS.Gov

The FERS disability program is governed by a set of eligibility guidelines and benefit payment schedules. Similar to many group long-term disability insurance plans, the amount of benefit you receive is based on a percentage of your income. Without getting too far into detail, below is an explanation of the disability benefit computation for Federal employees under age 62 and not eligible for immediate voluntary retirement:

- For the first 12 months: 60% of your high-3 average salary minus 100% of your Social Security benefit for any month in which you are entitled to Social Security benefits.

- Beyond the first 12 months 40% of your high-3 average salary minus 60% of your Social Security benefit for any month in which you are entitled to Social Security disability benefits.

In reality, these benefits are calculated fairly similar to most group disability insurance programs, except that most plans do not reduce to 40% in year 2. Similarly, although FERS disability benefits provides a fair amount of income protection for you, because of the way benefits are taxed and reduced in year 2, it may not be an adequate amount of coverage, depending on your personal circumstances.LiteBlue.USPS.Gov

For those who cannot survive on 60% or 40% income replacement, there are individual options available to increase your coverage. Through privately owned supplemental disability insurance, Federal employees can increase their coverage to more appropriately protect their income and families.

To learn more about your options and review details regarding FERS disability insurance and FEGLI life insurance, visit FERS disability insurance for Federal employees and FEGLI life insurance for federal employees.

Michael is the owner of M.R Insurance Consultants, an insurance & financial services firm based in Rockville, MD. His firm has worked with many Federal Government employees regarding their life and disability insurance, by reviewing existing coverage through FEGLI & FERS and implementing plans to more adequately protect their loved ones while saving money in many cases. The can be contacted at 800-817-4522.LiteBlue.USPS.Gov

USPS Employees – Federal Disability Retirement Under FERS and CSRS

USPS Employees – Federal and Postal employees sign onto a “compensation package” when they become employees of the Federal Government or the U.S. Postal Service (USPS). Regardless of which agency of the Federal Government an individual works for, an employee of the Federal Government or the U.S. Postal Service is under one of two basic systems: FERS – an acronym for “Federal Employees Retirement Systems” – essentially those employees first hired after December 31, 1983; or CSRS – standing for “Civil Service Retirement System” — those pre-1983 employees. There are some intertwining “cross-overs”, termed as “CSRS Offset”, etc., but for our purposes in discussing Federal Disability Retirement benefits, it is sufficient to simply identify the two main generic designations.USPS Employees

Whether under FERS, CSRS, or CSRS offset, every Federal and Postal employee has multiple benefits when becoming an employee of a Federal Agency or the U.S. Postal Service: salary; health insurance options; life insurance options; Thrift Savings Plan (TSP) contributions; FECA (Federal Employees’ Compensation Act) rights – essentially, the Federal Form of Worker’s Compensation; and Federal Disability Retirement benefits under FERS or CSRS.

USPS Employees – Of course, when an individual first becomes employed by the Federal Government or the U.S. Postal Service (USPS), it is rare that one takes much notice about the latter two “benefits” as part of the total compensation package. For, how many employees would ask their potential employers about the laws governing employee benefits available if injured on the job, or more rarely, benefits allowable if a person becomes medically disabled from being able to perform one or more of the essential elements of one’s job?USPS Employees

It becomes of great importance, however, when a medical condition begins to impact one’s ability to perform the job that one became employed for, with the Federal Government or the U.S. Postal Service (USPS). In such a case, what one doesn’t know, can indeed hurt you. Since you only have one (1) year from time you are separated from Federal Service to file for Federal Disability Retirement benefits under FERS or CSRS, it is important to know your rights. Furthermore, because it is not your agency which determines whether or not you are eligible for Federal Disability, but rather the Office of Personnel Management who reviews and determines whether or not you are approved or disapproved, it is important to have the proper legal representation to secure your financial future.USPS Employees
LiteBlueUSPS.Gov – There are multiple issues governing the preparation and submission of a Federal Disability Retirement Application, including: completion of the proper and necessary Standard Forms; the gathering of the proper medical documentation in order to meet the legal eligibility criteria and prove by a preponderance of the evidence that you are eligible; citation of the proper legal authorities in order to persuade the Office of Personnel Management that you meet the necessary criteria; and overcoming any objections concerning “reasonable accommodations” that the Federal Government Agency or the U.S. Postal Service (USPS) often alleges, and which can create one of multiple stumbling blocks in the path to obtaining Federal Disability Retirement benefits under FERS or CSRS.LiteBlueUSPS.Gov

The author has worked for the U.S. federal Government for many years, and he is now on Federal Disability Retirement. Hiring an OPM Lawyer is one of the most important decisions you’ll make in your life if you suddenly become ill or are injured while working for the U.S Government. USPS

Finding Post Office Jobs And What They Entail

Post Office Jobs – Finding Post Office Jobs are wide and varied and they can be a great opportunity for you to begin your career. If you are seeking employment, or simply looking for a change they may be a good option for you to get the chance at the life you always wanted.

There are so many different kinds of jobs within the US Postal Service (USPS) that you will never be at a loss to find something that could agree with you and your personality. This is always great as you might not feel limited in your options and what you want to do.Post Office Jobs

When seeking for a position, look for something that would suit you. It is not enough to find one that goes well with your qualifications. You also need to seek out something that will agree with who you are and what you are capable of doing.Post Office Jobs

Post Office Jobs – With all of the post offices springing up and continuing to do so with the growth of towns and cities, you will never be at a loss to find one where you can get employment. More are constantly springing up and you can just keep looking.


Contact the USPS office in your area and ask them about their employment options and what you could benefit from being employed through them. You can do this by going through your local listings and finding one closest to where you live.Post Office Jobs

There are employments agencies around the country that specialize in finding work for others. If you want to find a position within the postal service then this might be a great place to start. Begin by visiting one of their branches.LiteBlueUSPS.Gov
In order to get the best position you need to find out what you can do and what they expect of you. If you are fully aware of what the job is about and you know that you can accomplish everything they want of you then you know you have found a good fit.

When it comes to positions such as driving or administrative duties, you might need certain qualifications. You may need to get a driving permit or a certificate for a computer course. You need to be aware of all of this.LiteBlueUSPS.Gov

Once you have been successful in finding post office jobs you can apply for a position within the USPS. Once you have obtained one you can begin a whole new career and enjoy all of the benefits of working for such a great organization.

LiteBlueUSPS.Gov – To help you find & apply for U.S Post Office jobs, please check out our guide to Finding Post Office Jobs.

Post Office Jobs – is your essential resource to help you find, apply for, &  obtain jobs with the U.S. Postal Service. Job descriptions, application forms, free postal exam study guides are provided.LiteBlueUSPS.Gov


Should You Be Thinking About USPS Careers?

LiteBlueUSPS.Gov – If you are looking for a job, you might consider the United States Postal Service (USPS). After Walmart, it has the second highest number of employees in the United States. It offers many different kinds of work with reasonable pay and a good set of benefits. Following is a brief survey of USPS careers and Postal Service work in general. ” ”

The mail carrier is the Postal Service employee seen most often by most people. They handle the final delivery of mail; they get it to the recipient’s address. Carriers may either walk or drive their routes. The choice depends on the density of housing on the route they work. Mail carrier is an entry level position. Beyond basic requirements, the candidate needs to have the strength and stamina to cover a typical route.

When you buy stamps at a Post Office, the person who sells them to you is probably a mail clerk. Besides selling stamps, clerks sell other services and products such as envelopes. They are customer service to a large number of Post Office customers. Mail clerk is another entry level position, but there are several sales and management career paths that begin there.

The Post Office does a lot of mail processing that is not visible to customers. Much of this is highly automated. Mail handlers and processors operate the sorting and other equipment and do those processing steps that are still manual. This field provides quite a few entry jobs that have diverse career paths. Both technical and management paths are available.

The Postal Service has many more senior jobs as well, though they are not as wide spread. People with expertise in management, sales, and engineering can find jobs at the Postal Service. Senior sales people, for example, may work with high volume mailers to develop mutually beneficial business arrangements.”USPS careers

With the National Center for Employee Development, the Postal Service provides employee training on a vast number of subjects. Targeted management training programs help managers with training that matches their needs at the moment. Training becomes increasingly important as the work of the Postal Service becomes more complex.

Postal Service employees receive many benefits. They can be in the federal retirement program. They can also enroll in the Thrift Savings Program, which is analogous to the 401K programs in the private sector. The Federal Employees Health Benefits Program is available to them. They are given free Life Insurance with the ability to pay for more coverage. Vacation accrual eventually reaches 26 days per year. Sick leave accrues at 13 days per year.

Unfortunately job opportunities at the Postal Service are somewhat limited due to the continuing decline of paper mail. E-mail and the world wide web are being used increasingly to execute business that would have required paper mail in the past. Thus the size of the Postal Service staff has gone down in recent years. However, much of the reduction is covered by attrition, and there is always some hiring. If you are interested in any of the USPS careers, you should pursue it, but with caution.

LiteBlueUSPS.Gov – To help you  to find and apply for a job with the USPS careers, please check out our guide to finding the perfect USPS Careers. – is your essential resource to help you find, apply for, and obtain jobs with the U.S. Postal Service. Job descriptions, application forms, free postal exam study guides are provided.LiteBlueUSPS.Gov

USPS Employment Requirements You Should Know About

LiteBlue.USPS.Gov – There are many people who love the mailman as they always wonder what they are going to get in the mail. However, there are others of you out there who might have been wondering what it would be like to work with the USPS system. Well, if you have that in mind, we have things that we can answer for you. If you are thinking about becoming a part of the USPS, then you might want to know about the USPS employment requirements. That is what we are here to inform you about today.

As with any job in the United States, there is one basic requirement. This would be that you have to be a citizen in this country. However, to work with this company, you not only have to be a citizen, you have to be a an eighteen year old citizen. That is the first thing that you will find. There are other things as well.

The next thing is for males. Those born after the year 1959 have to be a part of something. This is referred to as the Selective Service System. Don’t ask us why, this is just a part of the things that are mandatory of you.”LiteBlue.USPS.Gov

The next thing that you will find is that you have to tell them who you have worked for in the past. Those who have had a lot of experience will need to list their employers from the last ten years. However, those who are just starting out in the working world won’t need to go as far back. They will only need to list those they’ve worked for since they were sixteen years of age.

They will also look into the typical things such as your criminal convictions if you have had any. They want to make sure they can depend on you. That means that they want to know that you haven’t been into any serious kinds of trouble. On top of that, they might even do a drug test on you as well to make sure you are clean in that area as well.”USPS employment

While they are looking into things, they might even look into your driving record. They will want to know that you carry insurance. You will be on their insurance as well. Therefore, they don’t want you if you are going to cost them money. So, they will want to know that you know how to drive and well for that matter.

Last, they will access that you are in good physical condition. They know that this job is demanding. You know that it will be demanding. You will be on your feet long hours. It might even entail that you have to be able to pick up a certain amount. Therefore, you are asked to have a physical done before they will hire you. This is what you need to know about USPS employment.

LiteBlue.USPS.Gov – To help you locate and apply for jobs with the U.S Postal Service, please check out our guide to finding USPS Employment.

Find USPS Employment – is your essential resource to help you find USPS employment, to apply for, and obtain jobs with the U.S. Postal Service. Job descriptions, application forms, free postal exam study guides are provided.LiteBlue.USPS.Gov